How to Cancel COBRA Hassle-Free

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How to Cancel COBRA the Easy Way

, or the Consolidated Omnibus Budget Reconciliation Act, is an insurance plan that gives workers and families who lose their benefits the ability to choose to continue group health benefits for limited periods of time, like job losses. This makes for a stable way to ensure your loved ones have insurance coverage even in tough times.

Confused about how you can cancel your COBRA? DoNotPay, a champion of consumer rights recognized in Forbes and the New York Times, has the resources you can use to help! Here’s how to make the most of your insurance plan and cancel it when you are ready:

Where Can I Cancel COBRA?

COBRA is a system that is requested by your former employer, and it can be confusing to cancel service provisions if you are no longer in contact with your ex-boss/company.

provides a month-to-month service, and can be terminated in these ways:

  • Stop paying premiums to , and your account and coverage will be terminated by non-payment
  • Send a written letter to WageWorks that requests the end of your coverage
  • Enter a request to cancel in the online messaging center

Importantly, once you cancel your COBRA coverage, it cannot be reinstated. Thus, make a well thought out decision about your family’s insurance needs and be confident that you will not need any time soon, as once you have terminated your service, you will not gain access again.

Where To Cancel COBRA (With Steps)

Here are some simple ways you can cancel your insurance provision:

Halt Premium Payments
  1. Visit your COBRA account
  2. Log into your COBRA account, at or
  3. Click on “account information”
  4. Select “payment method”
  5. Select “remove payment method”

This will ensure that your payment method cannot be charged during the next billing cycle, effectively ending your premium payments and COBRA service for the time being.

Write A LetterThis is an easy step to cancelling your payments… Simply:
  1. Write a letter
  2. Mail your letter to the following address:
  3. WageWorks P.O. Box 223684 Dallas, TX 75222-3684
  4. You can also fax your letter to the following number: 1.866.450.5634
  5. Wait for a confirmation of receipt within your WageWorks or COBRA account, and you’re good to go!
Send a Request OnlineUsing COBRA’s online service, cancel your service in a few easy steps:
  1. Log into your COBRA account
  2. Select “online support” in the corner of your screen
  3. Send a request to the online support centre
  4. Chat with a real employee, and request the cancellation of your account
  5. That’s all, your account should be cancelled soon!
Change in Life Status EventsIn the case that you’d like to cancel or semi-cancel COBRA coverage for a member of your family, you will have to submit a request in writing. These are the conditions where you are able to cancel COBRA:
  • Birth: 30 days before the birth you must notify COBRA, and provide a birth certificate
  • Death: You must notify COBRA 60 days from the date of death, and beneficiaries will receive 36 months of coverage from the original date of distribution
  • Marriage: 30 days before the marriage, notify COBRA and send a copy of the marriage license
  • Adoption: 30 days before the final adoption, COBRA must be given notice of the adoption certification by presenting official documentation
  • Divorce/Separation: If you are going through a divorce or legal separation, you must notify COBRA 60 days before the proceedings begin, but beneficiaries may be eligible to get 36 months of coverage
  • Loss of Dependent Status: 60 days after the aging out of a child, COBRA must be notified so that they can remove the child’s dependent status

Note that once COBRA service is altered and/or cancelled, you will not receive payment anymore — this can be confusing to navigate, and DoNotPay provides a simple solution.

Why is Cancelling your COBRA Subscription Difficult?

Just as many insurance providers detail, cancelling a COBRA subscription can be difficult and methodical. As consumers, we want fast, guaranteed results. Below, find some things that have made this difficult:

  • Takes too many steps and is difficult to access
  • You forgot your log-in or do not have access to a web browser where you can use your account to cancel
  • You do not have the time or ability to wait for a letter to be mailed, or a request to be received and want instant results

How DoNotPay Can Help Cancel COBRA Subscriptions

DoNotPay is a self-described consumer champion, providing an alternate way to cancel COBRA subscriptions without sending a letter, requesting it in a chat or not paying your bills!

Although DoNotPay is a subscription-based service, for a low monthly fee, have access to hundreds of services that make your life easier!

Here’s how to cancel a COBRA subscription with DoNotPay:

  1. Log in to DoNotPay and search for the Manage Subscriptions product.
  2. Provide the name of the subscription service you want to cancel.
  3. Provide your account details such as email address and username.

It’s as easy as that! With DoNotPay, streamline your cancellation process and skip the tedious, middle-man work.

DoNotPay Can Also Cancel

In addition to managing your COBRA subscription, DoNotPay can also help cancel:

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